Debt Collection Agency TexasBusiness (B2B) Debt Recovery
Collecting unpaid business invoices in Texas is usually fastest when you combine a clean evidence pack with firm escalation gates and compliance-aware outreach. Texas also has a specific surety bond filing requirement for third-party debt collectors before engaging in debt collection, so vendor selection and compliance posture matter from day one.
General Information Only
This page is general information, not legal advice. Outcomes depend on the facts of the case. If your file involves a consumer debt or an individual/personal guarantor, consult qualified counsel.
Who This Is For
- CFOs and AR teams with overdue B2B invoices from Texas-based debtors
- Exporters selling into Texas who need a structured handoff and transparent reporting
- Credit controllers managing aged debt (60–180+ days) who want predictable next steps
Texas: What Changes Your Outcome Fastest
Confirm the debtor's exact legal entity name and where it operates
Acceptance/delivery proof and a clean statement of account reduce "review" delays
Set one deadline, then escalate by rule—not by emotion
Find the payment approver (AP often can't authorize priority)
Bond & Compliance Snapshot (High-Level)
$10,000 Surety Bond Requirement
Texas SOS guidance explains that third-party debt collectors must file a $10,000 surety bond with the Secretary of State before engaging in debt collection, under Texas Finance Code § 392.101.
TX SOS Debt Collector FAQTexas Finance Code Chapter 392
Third-party debt collectors are governed by Texas Finance Code Chapter 392. They are not required to register with the SOS, but the bond filing is mandatory.
Operational takeaway: When choosing any third-party collector touching Texas debtors, verify that the bond requirement is handled.
Note: The bond is "in favor of the State of Texas for the benefit of any person damaged" by violations of Chapter 392, per SOS FAQ summary.
Common Texas Debtor Behaviors (And What to Do)
"We'll pay next week."
Convert it to a written commitment with a date and consequence (escalation gate).
"Send it again / wrong vendor setup."
Treat it as payment friction: assign one internal owner, fix in 48 hours, then re-demand.
"There's a dispute."
Force specificity in writing: what line item, what evidence, what resolution closes it.
Silence.
Shift to trace + stakeholder mapping, then escalate by rule.
A Practical Recovery Sequence (Without the Drama)
Instead of "more reminders," run a controlled sequence:
Intake & Strength Check
Documents, entity, dispute triage
Amicable Outreach
Professional, relationship-aware, deadline-driven
Learn moreFormal Demand Step
Clear cure date + next action
Negotiation & Closure
Written commitments, remove payment friction
Escalation Review
Only with your approval
Learn moreWhat to Submit (Texas Handoff Pack)
- Contract/terms or accepted quote + PO (if used)
- Invoice(s) + statement of account
- Proof of delivery/performance/acceptance (signed doc, system logs, or email acceptance)
- Full communication log (emails + call notes)
- Debtor legal entity details + best contacts (AP + decision-maker)
Reporting Your CFO Will Actually Read
10 Facts You Didn't Know (And/Or Things to Verify) — Texas
Sourced facts from TX SOS guidance plus operational verification items.
Texas SOS states third-party debt collectors are governed by Texas Finance Code Chapter 392.
Source: TX SOS FAQTexas SOS states third-party debt collectors are not required to register with the SOS.
Source: TX SOS FAQTexas SOS states a $10,000 surety bond must be filed with the SOS before engaging in debt collection (Tex. Fin. Code § 392.101).
Source: TX SOS FAQThe bond is "in favor of the State of Texas for the benefit of any person damaged" by violations of Chapter 392, per SOS FAQ summary.
Source: TX SOS FAQVerify whether your situation touches consumer rules (e.g., individual debtor or personal guarantor); if yes, compliance risk increases and counsel review is recommended.
Verify acceptance proof exists (without it, "dispute" becomes the default excuse).
Verify you're pursuing the correct legal entity (brand ≠debtor entity).
Verify who controls payment priority (decision-maker mapping beats extra reminders).
Verify remittance details and invoice references (payment friction creates fake non-payment).
Verify your internal approval gates (settlement authority, escalation authority, thresholds) before you escalate.
Limitations / When This May Not Work
- •Consumer or personal guarantor involvement: If the debtor is an individual or if personal guarantor collection is involved, compliance risk increases significantly under federal and state consumer protection rules. Consult qualified counsel.
- •Debtor insolvency or dissolution: If the debtor entity is insolvent, dissolved, or in bankruptcy proceedings, recovery may be limited regardless of claim strength.
Ready to Recover Your Texas B2B Debt?
Start with a case assessment. We'll review your documentation, verify the debtor entity, and provide a clear recovery plan with transparent reporting.